Check payment is very easy, at the time of check out, select the option for Pay by Check and complete your order. Then make your check payable to "Totaram Jewelers Online" for your order total, take a picture of the check with your phone or IPad and email the picture to us. That is it, you are done!!

Buy your jewelry in installments or Layaway.

1. Decide for how long you want the layaway plan (Upto 4 months or less). 2. Please keep in mind that, You will NOT have the option to return, exchange, change or cancel your layaway order.3. Item(s) ordered on layaway plan cannot be changed or cancelled even if the item has not been shipped to you and even if all your payments have not been completed. NO EXCEPTIONS4. Do NOT place the layaway order directly on the website, if you place an online order, your card will immediately be charged for the full amount.5. After we process your last payment, we will ship your order and email tracking number to you.6. A one time non-refundable $25 layaway plan setup and processing fee will be charged for each layaway plan order.7. All goods will be delivered ONLY after the complete order payment is received. NO EXCEPTIONS.8. Call us at 732-228-6300 Mon-Fri between 9AM-5PM EST and set up your payment plan.